Abstract
Relevance. The relevance of the article lies in the fact that lending, being a vital aspect of a bank's operations, plays a crucial role as a major investment source. It fosters the ongoing and expedited reproduction process, bolstering the economic capabilities of businesses, holds a prominent position as the primary revenue-generating activity for the bank. Purpose. The purpose of this study is to develop a modern methodology for monitoring changes in bank lending conditions and credit demand levels. The study aims to provide a comparative assessment of the current practices in analyzing lending fluctuations within the banking sectors of Kazakhstan, the Russian Federation, the USA. Methodology. To address the analysis task outlined in the study and to identify opportunities for enhancing the methodology, a variety of general scientific methods were employed. These included system-functional, statistical, structural, factorial, logical, graphical methods. Results. It is shown that the growth of lending in Kazakhstan is supported by demand in the regions, which necessitates the use of a highly sensitive model for calculating indicators reflecting alterations in the conditions of bank lending and demand for loans. The research results can be applied in solving the primary challenges within the industry of lending in Kazakhstan and other post-Soviet countries, and will improve the work of credit institutions, which is especially important after COVID-19 crisis. Conclusions. This study highlights the critical importance of modernizing the methodology for monitoring changes in bank lending conditions and credit demand levels. Lending is a vital aspect of a bank's operations, serving as a major investment source and a primary revenue-generating activity. Despite its significance, the full potential of bank lending has not been fully explored. This research provides a comparative assessment of current practices in analyzing lending fluctuations within the banking sectors of Kazakhstan, the Russian Federation, the USA. Keywords: demand for credit; bank; financial resources; lending conditions; region
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